Call reports 2016
BELL BANK — 2016
What BELL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 3,889,293,000 | 3,891,762,000 | 3,993,362,000 | 4,181,458,000 |
| Total loans | 3,468,456,000 | 3,678,935,000 | 3,707,053,000 | 3,694,042,000 |
| Allowance for loan losses | 30,475,000 | 32,642,000 | 34,759,000 | 38,524,000 |
| Securities available for sale | 73,706,000 | 65,726,000 | 67,582,000 | 81,650,000 |
| Securities held to maturity | 7,562,000 | 7,167,000 | 7,152,000 | 6,811,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,483,633,000 | 3,422,387,000 | 3,559,560,000 | 3,743,793,000 |
| Interest-bearing deposits | 2,777,437,000 | 2,693,420,000 | 2,747,313,000 | 2,876,759,000 |
| Noninterest-bearing deposits | 706,196,000 | 728,967,000 | 812,247,000 | 867,034,000 |
| Equity capital | 352,528,000 | 363,493,000 | 376,469,000 | 385,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 36,652,000 | 74,333,000 | 113,910,000 | 153,781,000 |
| Interest expense | 2,253,000 | 4,464,000 | 6,658,000 | 8,977,000 |
| Net interest income | 34,399,000 | 69,869,000 | 107,252,000 | 144,804,000 |
| Noninterest income | 19,531,000 | 46,988,000 | 80,095,000 | 108,746,000 |
| Noninterest expense | 38,751,000 | 81,981,000 | 128,876,000 | 174,997,000 |
| Provision for loan losses | 1,000,000 | 3,050,000 | 5,300,000 | 9,300,000 |
| Pretax income | 14,179,000 | 31,826,000 | 53,171,000 | 69,452,000 |
| Income tax | 5,292,000 | 12,001,000 | 20,292,000 | 26,559,000 |
| Net income | 8,887,000 | 19,825,000 | 32,879,000 | 42,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 340,348,000 | 351,286,000 | 364,340,000 | 374,354,000 |
| Total capital | 370,823,000 | 383,928,000 | 399,099,000 | 412,878,000 |
| Risk-weighted assets | 3,399,969,000 | 3,561,132,000 | 3,588,508,000 | 3,594,817,000 |